 No, don't do a voluntary repo. That's going to be horrible. I wouldn't do that. They've got $18,000 saved. Assuming that you have control over this money, I would just take that $18,000 and bridge the gap and get rid of it, zero it out. And then that puts them at, what, $22,000 in debt? Yes, yes. The other $22,000 is a car that they owe $10,000 on.